CaptiFin

Your platform’s own financing arm.

We build and run it with you, in a ring-fenced joint venture ultra-tailored to your platform. We also fund it: we put in equity, and our bank partner provides the credit lines. You keep the customer, the data and the economics.

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How a CaptiFin financing arm is owned and run Your platform, CaptiFin and a bank partner are the three shareholders of a ring-fenced joint venture: a financing arm under your platform’s brand. The arm offers embedded financing to your customers and is repaid from their processing flows. Shareholder Your platform Data and distribution Shareholder and operator CaptiFin End-to-end execution Shareholder Bank partner Credit and funding Ring-fenced joint venture Financing arm under your platform’s brand embedded financing repayment from processing flows Your customers How a CaptiFin financing arm is owned and run Your platform, CaptiFin and a bank partner are shareholders of a ring-fenced financing arm under your platform’s brand, which serves your customers. Your platform Data, distribution CaptiFin Execution Bank partner Credit facility Ring-fenced joint venture Financing arm under your platform’s brand financing repayment Your customers

Three shareholders. One financing arm.

Each side brings what it is best at and holds a stake in the result. Your platform doesn’t become a lender, and the bank doesn’t have to build distribution. We handle execution end to end.

ContributesYour platform

  • Transaction and performance data
  • Distribution inside the product

OperatesCaptiFin

  • End-to-end execution
  • Structuring and setup
  • Technology and product
  • Credit model and underwriting
  • Ongoing operation
  • Servicing and collections
  • Regulation and compliance
  • Risk management
  • Finance, taxation and accounting
  • Overall management

FundsThe bank partner

  • Credit facilities and funding
  • Long-term lending capacity and flexibility

All three hold the ring-fenced financing arm, which carries your platform’s brand. Everything is ultra-tailored to your platform’s needs and traits.

Own it, don’t refer it out.

A referral deal pays you a revenue share while someone else owns the customer, the data and the value you create. A captive arm makes you a shareholder in a real asset, without putting credit on your balance sheet or investing anything.

Referral to a lender Your own arm, with CaptiFin
How you earn A revenue share, on terms the lender sets Shareholder returns from the arm’s profits
Asset value None: the value ends with the contract A growing asset you own a stake in
IP The lender owns the credit models and tech built on your data You own a share of the IP: credit models, data assets and tech
Customer journey Sent to a third-party flow to re-apply and wait, and many drop off Native in your product, pre-filled with your data, fast decisions
Control The lender sets credit policy and can change terms Credit policy built for your platform, governed together
Customer Handed to another brand Stays in your product, under your brand
Data Shared outward Stays in-house and sharpens underwriting

We have built this before.

Our team set up and ran the financing arm for the global merchant base of Nayax (Nasdaq: NYAX), with Bank Hapoalim. It started with device financing, became fully embedded and automated, and expanded into working capital.

9 countries live

From first call to live financing.

A defined path, with the bank partner involved from the structuring stage, not bolted on at the end.

  1. Assess

    We study your customer base and payment flows to size the opportunity and the risk.

  2. Structure

    We set up the joint venture and secure a credit facility with a bank partner.

  3. Launch

    Financing goes live inside your product, under your brand.

  4. Run and scale

    We operate the book, report to all partners and grow capacity with volume.

Thinking about financing for your customers?

Tell us about your platform. We’ll come back with a first view on whether a financing arm makes sense for you.

Email us hello@captifin.com